Financial inclusion is growing, and fast. Kenyans excluded from any form of financial service dropped from over 40% of adults to 17% between 2006 and 2016.

Financial services associations (FSAs) are rural community-level member based semi-informal financial institutions, that are a hybrid of savings and credit cooperative organizations (SACCOs) and microfinance institutions (MFIs).

While Safaricom’s M-PESA platform stole the spotlight for being one of the world’s most transformative financial services, a somewhat hushed storm is infusing in the world of API’s in Kenya since Safaricom’s September-2015 announcement   that they have opened up their APIs to the public.